Can I switch to a tax agent after starting my own claim?

Yes, in many cases you can appoint a tax agent if you decide you no longer want to manage the claim yourself. Depending on how far your claim has progressed, the agent may need to review what has already been submitted before taking over.

Do I need a tax agent to claim a tax refund?

No. You can submit a tax refund claim directly to HMRC if you prefer. A tax agent is optional and may be helpful if you'd like professional guidance or your tax affairs are more complex.

Will using a tax agent speed up my refund?

A tax agent cannot control HMRC's processing times or guarantee a faster refund. However, submitting a complete and accurate claim with the correct supporting information may help avoid unnecessary delays.

Can a tax agent tell me if I'm eligible before I make a claim?

A tax agent can review your circumstances and advise whether you may be eligible to make a claim based on HMRC's guidance. Any refund is still subject to HMRC's assessment and approval.

Is it better to claim tax yourself if my tax affairs are simple?

For some people, yes. If your claim is straightforward and you're comfortable dealing with HMRC, making your own claim may be a suitable option. Others prefer professional assistance for added reassurance.

What information will a tax agent usually need?

A tax agent will normally ask for details such as your employment history, income information, tax documents and any records that support your claim. The exact information required depends on the type of claim you're making.

Can a tax agent help with older tax years?

In some cases, yes. If you're still within HMRC's time limits for making a claim, a tax agent can review previous tax years to see if you may have an entitlement. Eligibility depends on your individual circumstances and the applicable rules.

How do I know if a tax agent is reputable?

Look for clear information about fees, transparent terms and conditions, genuine customer reviews and a professional approach to explaining the claims process. Be cautious of anyone who guarantees a refund before reviewing your circumstances.

What happens if HMRC needs more information about my claim?

HMRC may contact you or your authorised tax agent to request additional information or supporting documents. Responding promptly can help your claim continue to be processed.

Can I contact HMRC directly if I'm using a tax agent?

Yes. Appointing a tax agent does not prevent you from contacting HMRC yourself. If you've authorised an agent to act on your behalf, HMRC may also communicate with them regarding your claim, depending on the authority you've given.

Should You Claim Tax Yourself or Use a Tax Agent?

Written by:

Mandy Tagney

Date:

21 July 2026

Time:

11:35 am

If you’ve overpaid tax, you may be wondering if you should make a claim yourself or ask a tax agent to help. The truth is, both options are perfectly legitimate. HMRC allows taxpayers to submit their own claims, and it also allows authorised tax agents to act on behalf of clients. The right choice depends on your individual circumstances, how confident you feel dealing with tax matters, and how much time you have. Here’s what you need to know before deciding.

Can You Claim a Tax Refund Yourself?

Yes. If you believe you’ve paid too much tax, you can submit a claim directly to HMRC. The process will depend on the type of refund you’re claiming. Some claims can be made through your Personal Tax Account, while others may require forms or supporting information. If your claim is successful, HMRC will issue any refund you’re entitled to receive. For straightforward tax affairs, many people are happy to manage the process themselves.

When Claiming Yourself Could Be the Right Choice

Making your own claim may suit you if your tax affairs are relatively simple. For example, you might have:

Overpaid tax through PAYE.
Only one employer during the tax year.
Time to complete the paperwork.
Confidence using HMRC’s online services.

If you’re comfortable checking the guidance and providing the required information, claiming directly can be a straightforward option.

When Using a Tax Agent May Help

Some tax claims are more complex than others. You may have changed jobs, worked for several employers, or need to claim allowable work expenses or other tax reliefs. In these situations, a tax agent can review your circumstances, explain the relevant HMRC rules, and prepare your claim if you choose to use their services. A professional can also help ensure the claim is completed accurately and that any supporting information is included. Every claim is assessed on its own merits, so a reputable tax agent should never promise a refund before reviewing your situation.

Benefits of Using a Tax Agent

Many people choose a tax agent because they value expert support throughout the claims process. Some of the benefits include:

Expert knowledge: Tax rules can be confusing, especially if your circumstances have changed. A tax agent understands HMRC’s guidance and can explain it in plain English.
Time saving: Completing forms and gathering documents can take time. Having someone manage the process for you can make things easier.
Peace of mind: If you’re unsure about the process, professional guidance can help you feel more confident that your claim has been prepared correctly.
Identifying eligible claims: An experienced tax agent may spot tax reliefs or allowances that apply to your circumstances, provided they are supported by HMRC’s rules.

Things to Consider

Before deciding how to claim, ask yourself a few simple questions. Are your tax affairs straightforward? Do you have the time to complete the claim yourself? Would you feel more comfortable with professional support? It’s also important to understand any fees charged by a tax agent before agreeing to use their services. A reputable company will explain its pricing clearly and answer any questions you may have.

So, Which Option Is Best?

There isn’t a one-size-fits-all answer. If your tax affairs are simple and you’re happy dealing directly with HMRC, making your own claim may be the right choice. If your circumstances are more complicated, or you’d simply prefer expert support, using a tax agent can provide guidance throughout the process and help ensure your claim is prepared accurately. Whichever route you choose, it’s important to provide accurate information and keep records that support your claim. If you’re unsure what you’re entitled to claim, Express Tax Claims can review your circumstances, explain your options, and help you navigate the process with confidence. Every claim is assessed individually, and any refund will always depend on your personal circumstances and HMRC’s decision.

Frequently Asked Questions

Can I switch to a tax agent after starting my own claim?
Yes, in many cases you can appoint a tax agent if you decide you no longer want to manage the claim yourself. Depending on how far your claim has progressed, the agent may need to review what has already been submitted before taking over.
Do I need a tax agent to claim a tax refund?
No. You can submit a tax refund claim directly to HMRC if you prefer. A tax agent is optional and may be helpful if you'd like professional guidance or your tax affairs are more complex.
Will using a tax agent speed up my refund?
A tax agent cannot control HMRC's processing times or guarantee a faster refund. However, submitting a complete and accurate claim with the correct supporting information may help avoid unnecessary delays.
Can a tax agent tell me if I'm eligible before I make a claim?
A tax agent can review your circumstances and advise whether you may be eligible to make a claim based on HMRC's guidance. Any refund is still subject to HMRC's assessment and approval.
Is it better to claim tax yourself if my tax affairs are simple?
For some people, yes. If your claim is straightforward and you're comfortable dealing with HMRC, making your own claim may be a suitable option. Others prefer professional assistance for added reassurance.
What information will a tax agent usually need?
A tax agent will normally ask for details such as your employment history, income information, tax documents and any records that support your claim. The exact information required depends on the type of claim you're making.
Can a tax agent help with older tax years?
In some cases, yes. If you're still within HMRC's time limits for making a claim, a tax agent can review previous tax years to see if you may have an entitlement. Eligibility depends on your individual circumstances and the applicable rules.
How do I know if a tax agent is reputable?
Look for clear information about fees, transparent terms and conditions, genuine customer reviews and a professional approach to explaining the claims process. Be cautious of anyone who guarantees a refund before reviewing your circumstances.
What happens if HMRC needs more information about my claim?
HMRC may contact you or your authorised tax agent to request additional information or supporting documents. Responding promptly can help your claim continue to be processed.
Can I contact HMRC directly if I'm using a tax agent?
Yes. Appointing a tax agent does not prevent you from contacting HMRC yourself. If you've authorised an agent to act on your behalf, HMRC may also communicate with them regarding your claim, depending on the authority you've given.